Bank · FDIC insured
United Southern Bank
A $843M bank headquartered in Umatilla, FL, with 12 branches in Florida. Best rates: CDs 0.30% and savings 0.05% APY.
United Southern Bank Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#36 of 37 in Orlando, FL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Southern Bank
Originally chartered in 1937 as Umatilla State Bank by local citizens and citrus growers, the institution changed its name to United Southern Bank in 1987.
United Southern Bank operates under local ownership and management, serving Lake and Sumter Counties with 12 offices.
Residential lending for new home purchases, home additions, or refinancing has been a specialty of United Southern Bank throughout its history.
- Headquarters
- 750 N Central Ave, Umatilla, FL 32784
- FDIC certificate
- 15465 ↗
Branches
12 branches in Florida
Loading map…
Florida
12 branches
Orlando area · 10
- United Southern BankMain office750 N Central Ave, Umatilla, FL 32784Directions
- Astor Branch24510 State Road 40, Astor, FL 32102Directions
- Clermont Branch1510 East Service Road 50, Clermont, FL 34711Directions
- Eustis Branch2701 S Bay St, Eustis, FL 32726Directions
- Lady Lake Branch224 South Us 27, Lady Lake, FL 32159Directions
- Downtown Leesburg Office515 W Main St, Leesburg, FL 34748Directions
- Leesburg Branch27524 Us Highway 27, Leesburg, FL 34748Directions
- Lisbon Branch10021 County Road 44-West, Leesburg, FL 34788Directions
- Mount Dora Branch19010 Us Highway 441, Mount Dora, FL 32757Directions
- Tavares Branch1303 N New Hampshire Ave, Tavares, FL 32778Directions
Wildwood area · 2
- Villages Office13609 N Us Highway 441, Lady Lake, FL 32159Directions
- Wildwood Branch1017 Us Highway 301, Wildwood, FL 34785Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.77% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.44% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.23% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $61 | $81 | — |
- CapitalLeverage ratio10.77%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.44%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.23%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$61Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United Southern Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.